Equifax Delivers Optimal Path Directly to U.S. Consumers via the myEquifax Mobile App

Leveraging Advanced Cloud-Native Platform and Patented AI Capabilities, Optimal Path Gives Consumers More Control Over Their Financial Journeys

Published on Feb. 19, 2026

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Equifax is leveraging its advanced cloud-native platform and patented EFX.AI capabilities to deliver Optimal Path, the company's interactive credit score planner, directly to U.S. consumers through the myEquifax mobile app free of charge. Optimal Path integrates with a consumer's current Equifax credit profile to provide specific tasks they can execute within 30 days to help reach their target VantageScore 3.0 credit score goal.

Why it matters

Optimal Path is designed to empower consumers to take more control over their financial journey and help them live their financial best. By offering this tool for free, Equifax aims to make it easier for consumers to understand and improve their credit scores.

The details

Optimal Path uses Equifax's patented EFX.AI technology to create customized 30-day action plans that evolve as an individual achieves their particular objectives, enabling consumers to meet their unique financial goals faster. The tool provides AI-powered, personalized 30-day action plans, progress tracking, reminder notifications, and milestone tracking to help consumers see how much their VantageScore credit score can increase in as few as 90 days.

  • Optimal Path is now available for free exclusively in the myEquifax mobile app for all Equifax Core Credit and premium subscribers.

The players

Equifax Inc.

A global data, analytics, and technology company that plays an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence.

Aparna Shah

Leads the Direct to Consumer Business at Equifax.

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What they’re saying

“The Equifax Cloud provides the robust foundation needed to leverage our patented EFX.AI capabilities and seamlessly integrate Optimal Path into the myEquifax mobile app.”

— Aparna Shah, Leads the Direct to Consumer Business at Equifax (PRNewswire)

The takeaway

By offering Optimal Path for free through the myEquifax mobile app, Equifax is empowering consumers to take a more active role in understanding and improving their credit scores, which can have a significant impact on their financial well-being.